PetalCard.com Invite
petalcard.com/invite is used to respond to a pre-approved credit card offer from Petal. If you received an offer in the mail, this is where you go to enter your unique 10-digit invitation code to proceed with the application.
Note: Petal cards were discontinued for new applications in August 2025 and replaced by Tilt credit cards. Existing Petal cardholders are not affected.
How it works
What if you don't have an invite code?
If you did not receive a pre-approved offer in the mail, you can still apply for a Petal card directly through their website at petalcard.com.Petal offers several credit cards, including the Petal 1 and Petal 2, which are designed for people with little to no credit history. When you apply through their main site, you may still be offered pre-approval, and Petal is known for using "cash flow underwriting," which evaluates your banking history in addition to your credit score to help determine eligibility.
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* See the online Petalcard.com/invite (www.petalcard.com/invite) credit card application for details about terms and conditions and offers.
FICO Credit Scores
A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.
What is a Credit Score?
A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.
Credit Score Facts
- Credit Scores range from 300-850, the higher the better.
- Most lenders base approval on your credit score.
- Higher Scores mean lower payments and better deals.
- Higher Scores mean Lower interest rates.
- Scores are determined by 5 main categories:
- Payment History
- Amounts Owed
- Length of Credit History
- Type of Credit Used
- New Credit
Note: Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.
Security Notice: Security Notice: All Applications utilize Secure SSL Technology for secure transmissions.
*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.
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